AmCon & Fexquotes

[TwiLight]

This is a good age for a GUL. SAGICOR is $59.27/mo for $50k Preferred NS and $73.29/mo for Standard NS.

Simple issue to age 65. up to $249,999.

Just Saying......Someone will back door you with a GUL.

 

[jdeasy]

This is a good age for a GUL. SAGICOR is $59.27/mo for $50k Preferred NS and $73.29/mo for Standard NS.

Simple issue to age 65. up to $249,999.

Just Saying......Someone will back door you with a GUL.

You're on. Just try to take one of my whole clients with a GUL. Ain't happening.

 

[TwiLight]

You're on. Just try to take one of my whole clients with a GUL. Ain't happening.

Now I only like GUL for issue ages 40-65. Not the same thing over 65.

HMMM. No Paramed/APS/Blood or Urine vs. 25-50% less premium. Sell it like Level term to 121 and overfund by 5% to ensure Guarantees never are an issue because of a missed payment or NSF.....

Now you don't have to worry about me visiting KY soon, If you were in Wolverine country though.......

 

[jdeasy]

Now I only like GUL for issue ages 40-65. Not the same thing over 65.

HMMM. No Paramed/APS/Blood or Urine vs. 25-50% less premium. Sell it like Level term to 121 and overfund by 5% to ensure Guarantees never are an issue because of a missed payment or NSF.....

Now you don't have to worry about me visiting KY soon, If you were in Wolverine country though.......

Still not the right product for the FE market. For the non FE market then SI GUL's are not going to be the right either. So I really can't see much use for that Sagicor product.

I'm sure marketers that want to push that company will certainly disagree with that but just look at their true intent.

 

[jacobtn]

This is a good age for a GUL. SAGICOR is $59.27/mo for $50k Preferred NS and $73.29/mo for Standard NS.

Simple issue to age 65. up to $249,999.

Just Saying......Someone will back door you with a GUL.

I agree for those ages you suggested, nothing will beat a GUL, esp a non-med one. I sell quite a few of those.

 

[rndz7]

I don't have Sagicor. What about RN or Forresters .

 

[TwiLight]

Look at the Smart UL from Foresters. Solid UL Product and Simple Issue.

 

[Newby]

Check out RNAs essential life. Google it if you need to. RNA has a quoter on their site.

FEXQuotes also quotes Essential Life now. Just choose traditional on the drop down.

It does let you quote less than $25,000 though even on ages where $25,000 is the minimum.

 

[jdeasy]

FEXQuotes also quotes Essential Life now. Just choose traditional on the drop down.

It does let you quote less than $25,000 though even on ages where $25,000 is the minimum.

That really needs to be fixed on fexquotes. Those of us that know better won't write EL for less than $25000 face on ages 18 and up. If that's on fexquotes at $10,000 to $25,000 then a newbie might write it.

 

[WinoBlues]

Still not the right product for the FE market. For the non FE market then SI GUL's are not going to be the right either. So I really can't see much use for that Sagicor product.

I'm sure marketers that want to push that company will certainly disagree with that but just look at their true intent.

I am not a marketer and I sell it to 60 year olds all the time. I also go into homes where perfectly healthy people were sold over priced FE style Whole Life products leaving the clients beneficiary under protected. That happens a lot. Now I do not do many for under $15,000 which would cover Final Expense. I assume over that would not be for final expenses.

I personally have never had a GUL replaced by an FE product. I have had a couple people try but they either lied or did not understand the product they were trying to replace. So I was able to save them.

On the other hand I have also sold FE style whole life products to people under 50. I am not an FE only agent I am a Life Insurance agent so my clients tend to be more diverse.